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PRUmy child

INVESTMENT-LINKED
INSURANCE

A New Life, A New Hope,


A New Promise

PRUmy child
Your hope for your child begins even before
birth. Let PRUmy child protect this hope of
yours, from the very beginning.
A New Life
It is a magical moment to know you are pregnant.
You are filled with joy and excitement. But sometimes, you are overwhelmed with anxiety
because you have a new life in you.
Relax and get plenty of rest... because the tiny miracle that is now part of you will provide
you with many wonderful life changing experiences.

A New Hope
Congratulations! You have entered into your 2nd trimester.
Are you curious to find out if it's a baby boy or baby girl? Or maybe twins?
As a parent-to-be, it is natural for you to have hopes and dreams for your child. Even before
he or she is born, hope is there - hope that he or she will always be happy, safe and healthy.
This hope is precious and worth protecting from the start.
At Prudential, we can help you secure your hopes and dreams for your child through a
comprehensive protection plan with PRUmy child, as early as 18 weeks into pregnancy.

A Promise that starts even before your child is born, with PRUmy child
The greatest love of all is the unconditional love parents hold for their child. Besides providing
for their basic needs, you also want to take care of them and deliver your promises.
While you hope that everything will be perfect for your baby, there are things beyond your
control. PRUmy child gives you peace of mind with complete protection for your child,
even before birth.
Aiming to give you peace of mind, the new Infant Care* benefit under PRUmy child
provides protection during the crucial prenatal, neonatal and post-natal periods.
* Optional benefit subject to underwriting and additional premiums for 2 years and purchased within 18 35
gestational week.

PRUmy child protects you


before you were born.

Print your new born baby hand and foot print here.

PRUmy child

PRUmy child
promise...

Stick your family photo here

PRUmy child benefits at a glance

Gives you control and flexibility to design a complete plan for your child.

Covers your baby as early as 18 weeks into pregnancy.

Option to attach Infant Care*rider to enhance your babys protection from 18 weeks
of your pregnancy up to your child reaching 2 years old.

Build your childs education fund with optional PRUedusaver and PRUsaver kid riders.

Infant Care* benefits at a glance

Covers Neonatal Jaundice that requires phototherapy treatment within the first
60 days from the birth of your child.

Covers admission into Intensive Care Unit/ High Dependency Unit within the first
year from the birth of your child, whether due to premature birth or birth trauma, for
up to 60 days.

Covers incubation of the baby during the first 60 days after the birth of your child.

Covers 15 congenital conditions up to your child reaching 2 years old.

*Optional benefit subject to underwriting and additional premiums for 2 years and purchased within 18 35 gestational
weeks.

What is PRU my child and who can buy this plan?


PRUmy child is a regular premium investment-linked insurance plan. You can buy this plan
for your unborn child at 18 weeks into your pregnancy, or for your child who is between
1 to 18 years of age on his/her next birthday.

What are the benefits of PRUmy child ?

> Should the unfortunate happen

What is payable:

to your child:

Death before birth and up


to 30 days from birth

(i) Total premiums paid minus any withdrawals


from value of units, or
(ii) total value of units in the policy,
whichever is higher.

Death after 30 days from


birth

Sum assured plus total value of units in the policy.


Juvenile lien applies.

Total and Permanent


Disability (TPD) before
age 70

Sum assured will be payable. Juvenile lien applies.


(Please refer to the policy document or sales illustration for the
definitions, terms and conditions of TPD)

Juvenile Lien: In the event of death, critical illness or TPD before age 5 next birthday (n.b), the proportion of the basic
sum assured paid is at age 1 n.b.: 20%, age 2 n.b.: 40%, age 3 n.b.:60%, age 4 n.b. :80%, age 5 n.b.:100%
continue...

> Upon maturity of the plan

Value of units in the policy is payable when your child


reaches the age of 100 years on his next birthday.

> Upon surrender of the plan

Value of units in the policy is payable at the point of


surrender.

> Loyalty Bonus

You will receive a Loyalty Bonus of 5% of annualized


premium (excluding premiums for top-ups and
PRUedusaver / PRUsaver kid / PRUsaver) upon
completion of the 10th policy year and every 3 years
thereafter provided you have paid your premium on a
timely basis.
(please refer to the policy document or sales illustration for the terms
and conditions of Loyalty Bonus)

What are the optional benefits available?


You may enhance the plan with optional benefits ranging from health, hospitalisation,
accidental and critical illness benefits for your child.
Critical illness benefits

Take care of your child in the event he is diagnosed with critical


illness or child specified illnesses.

Health & hospitalisation


benefits

Comprehensive coverage for medical bills in the event that


your child is hospitalised.

Accidental benefits

Provide comprehensive coverage for injuries due to accidents.

Payor benefits

Ensure continuity of the plan in the event of death (if


applicable), TPD before age 70 or critical illness.

Savings

PRUedusaver provides a stream of guaranteed annual income


during your childs higher education years while PRUsaver kid
helps your child grow his savings.

Attachment of optional benefits is subject to underwriting and additional premiums.


To find out more about optional benefits, please contact your friendly agent / Prudential
Wealth Planner or visit PRUmy childs information page at the Prudential corporate website
at www.prudential.com.my.
(under Understanding Your Solutions Child PRUmy child).

How much premium do I need to pay and for how long?


Minimum premium per year
PRUmy child

RM600 (subject to underwriting)

PRUsaver kid

RM120

PRUedusaver

RM600 (subject to maximum of 5 times the premium of the basic PRUmy child plan)

Note: You can only choose either PRUsaver kid or PRUedusaver at point of purchase. Please refer to the sales
illustration for the premium allocation rate.

Premium is payable throughout the whole policy term until the expiry of the policy. Upon
expiry of any optional benefits, the premiums will be reduced accordingly. Premiums can be
paid yearly, half-yearly, quarterly or monthly via Auto Debit, Credit Card, Cash or Cheque.

Where are my funds invested?


You can choose to invest in any of the PRUlink and/or PRUlink global series of funds. If
PRUedusaver is attached, you are only allowed to invest in the PRUlink education funds as
determined by us. You can track the performance of your funds by checking the unit prices
published daily on our website at www.prudential.com.my.
This leaflet is for illustrative purposes only and is to be read in conjunction with the Product
Disclosure Sheet, Sales Illustration, and Fund Fact Sheet.
For more details, please contact your friendly agent / Prudential Wealth Planner or log on to
the Prudential corporate website at www.prudential.com.my.
Please note that this is an insurance product that is tied to the performance of the underlying assets,
and is not a pure investment product such as unit trusts.

Prudential Assurance Malaysia Berhad


Member of PIDM
Prudential Assurance Malaysia Berhad (PAMB) is a member of Perbadanan Insurans Deposit Malaysia (PIDM). As a
member of PIDM, some of the benefits insured under the insurance policies offered by PAMB are protected
against loss of part or all of insurance benefits by PIDM, in the unlikely event of an insurer member failure. For
further details of the protection limits and the scope of coverage, please obtain a PIDM information brochure from
PAMB or visit PIDM website (www.pidm.gov.my) or call PIDM toll free line (1-800-88-1266).

Important Notes

> PRUmy child is not a Shariah-compliant product.


> We reserve the right to revise premium rates and charges (except insurance charge
for Death and TPD benefits) at policy anniversary by giving a 90-day written notice
(30 days for medical benefits and hospitalisation income benefits).

> You should assess the affordability and suitability of the product (including optional
benefits) in relation to your financial goals and risk appetite. To achieve this, we
recommend you speak to your agent or Wealth Planner who will perform a needs
analysis and assist you to make an informed decision.

> Coverage to expiry age is subject to sufficient unit deductions for insurance charges,
service charges, guarantee charges (if any) and administration charges (if any).

> Ownership of the policy shall automatically be transferred to the child once he/she is
25 years old.

> If you cancel the policy in the early years, you may not be able to obtain the full value
from the amount you have paid. Upon surrender, the various benefits under this plan
will not be applicable.

> There is a free-look period of 15 days after the delivery of your policy to allow you to
review if it meets your needs. If the policy is cancelled within this period, the value of
units (at next pricing date) plus the unallocated premiums, service charge, insurance
charge, guarantee charge (if any) and administration charge (if any), less medical
expenses will be refunded. Additionally, if top-ups are done, 5% of the unallocated
premium less medical expenses will be refunded. Top-ups do not incur any insurance
charge.

> This leaflet is for illustrative purposes only. You are advised to refer to the Prudential
Product Disclosure Sheet and Sales Illustration before purchasing a plan, and to refer
to the terms and conditions in the policy document for details of the important
features of the plan.

> Non-payment of premiums may cause this policy to lapse. Should you stop paying
premiums, the policy may continue for as long as there are sufficient units in the
respective accounts. Therefore, depending on the amount of units available in these
selected accounts, benefits of the plan may lapse and cease to be in force at different
points of time.

> This leaflet is to be used in conjunction with the PRUlink and PRUlink education (if
applicable) Fund Fact Sheet; and the PRUlink and PRUlink education (if applicable)
Investment-Linked Policy Disclosures booklet.

> Prudential

Assurance Malaysia Berhad is a licensed insurance company and is


regulated by Bank Negara Malaysia.

Appendix

Covered Congential Conditions


Brain

Covered Congenital Conditions Category


Teeth

Trachea
Lung

Heart

Liver
Kidneys
Large,
Small Intestine

Infantile Hydrocephalus

Cerebral

Cerebral Palsy

Cerebral

Spina Bifida

Cerebral

Congenital Cataract

EENT

Congenital Deafness

EENT

Cleft Lip and/ or Cleft Palate

EENT

Ventricular Septal Defect

Cardiac

Tetralogy of Fallot

Cardiac

Atrial Septal Defect

Cardiac

Transposition of theGreat Vessels

Cardiac

Coarctation of the Aorta

Cardiac

Oesophageal Atresia

Gastrointestinal

Trachea-oesophageal Fistula

Gastrointestinal

GastroCongenital Diaphargmatic Hernia intestinal


Anal Atresia
EENT: Eyes, ears, nose & throat

Gastrointestinal

PRUmy child

Pregnancy Care Benefit


18th gestational weeks onwards to Birth

Pregnancy Complications
Eclampsia, Abruptio Placentae,
or Amniotic Fluid Embolism

Death of Foetus*
Death of Mother

during her pregnancy or


within 30 days from birth of Child

Infant Care Plan 1

Infant Care Plan 2

RM2,500 lump sum

RM5,000 lump sum

RM2,500 lump sum

RM5,000 lump sum

RM10,000 lump sum

RM20,000 lump sum

Infant Care
benefits at a glance

Child Care Benefit


After Birth to 2 years old

Infant Care Plan 1

Infant Care Plan 2

RM2,500 lump sum

RM5,000 lump sum

Intensive Care Unit /


High Dependency Unit

RM300 daily
(max 60 days)

RM500 daily
(max 60 days)

Incubation of
the new born child

RM100 daily

RM200 daily

RM500 lump sum

RM1,000 lump sum

Reimbursement of
hospitalisation
claims up to
RM15,000 annually
(up to age 2)

Reimbursement of
hospitalisation
claims up to
RM30,000 annually
(up to age 2)

Death of Child*

within 30 days from birth of Child

within the first year from birth of Child

during first 60 days from birth of Child

Neonatal Jaundice requiring


Phototherapy Treatment

within first 60 days from birth of Child

Hospitalisation of Child
due to 15 covered

Congenital Conditions

* Amount payable in addition to PRUmy childs death benefit of total premiums paid minus any withdrawals from
value of units, or total value of units in policy, whichever is higher.

Prudential Assurance Malaysia Berhad(107655-U)


Menara Prudential, 10 Jalan Sultan Ismail,
50250 Kuala Lumpur, Malaysia.

www.prudential.com.my

07/2013

Tel: 03-2116 0228 Fax: 03-2032 3939


Email: customer.mys@prudential.com.my

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